Cumberland Town property record for 40 Melrose St, Cumberland, RI 02864
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 832 sqft · built 1952 |
| Lot Size | 0.183 acres (7,971 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $270,000 (Jun 2022) |
| Tax Bill | $3,181 (2026) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Nov 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-0009-38 |
| Primary APN | 3-0009-38 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 832 sqft Living Area |
| Gross Area | 2,048 sqft |
| 1st Floor Area | 832 sqft |
| Basement Area | 832 sqft |
| Unfinished Basement | 832 sqft |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,971 sqft (0.183 acres) |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | 3-0009-38 |
|---|---|
| Street Address | 40 MELROSE ST |
| City | CUMBERLAND |
| State | RI |
| Zip | 02864-6114 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 100 |
| Legal Block | 675 |
| Jurisdiction | CUMBERLAND RI |
| Township / Civil Division | CUMBERLAND |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 11302 |
Source: Cumberland Town records, as of October 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 40 MELROSE ST, CUMBERLAND, RI 02864-6114 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 6, 2022 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HOME LOANS |
| Nov 16, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance STEARNS LENDING INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 6, 2022 · Amount on Record |
| Deed Sale | Jun 6, 2022 · Amount on Record |
| Prior Sale | Dec 12, 2003 · Amount on Record |
| Deed Document Number | 2022133456 |
| Deed Book / Page | 1933 / 94 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Recording Date | Jun 6, 2022 |
| Property Address | 40 MELROSE ST, CUMBERLAND, RI 02864-6114 |
| Document Number | 0001933-94 |
| Book / Page | 1933 / 94 |
| Instrument Date | Jun 6, 2022 |
| Instrument | 133456 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 543 MANTON AVE, PROVIDENCE, RI 02909-5033 |
| Document Number | 0000133457 |
|---|---|
| Date | Jun 6, 2022 |
| Instrument | 133457 |
| Name | VETERANS UNITED HOME LOANS |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND RI |
| Property Address | 40 MELROSE ST, CUMBERLAND, RI 02864-6114 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1912-874 |
|---|---|
| Date | Nov 16, 2021 |
| Book Page | 1912/874 |
| Instrument | 129029 |
| Name | STEARNS LENDING INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
Source: Cumberland Town assessment roll, as of June 22, 2026
| Type | Name |
|---|---|
| State | Rhode Island |
| County Subdivision | Cumberland Town |
| Unified School District | Cumberland School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,181.00 (+7.79%) | $317,800 (+32.14%) Land $205,800 Building $112,000 | $361,565 |
| 2025 | $2,951.00 (+5.58%) | $240,500 (-) Land $142,500 Building $98,000 | |
| 2023 | $2,795.00 (-2.68%) | $240,500 (+25.52%) Land $142,500 Building $98,000 | |
| 2022 | $2,872.00 | $191,600 Land $112,600 Building $79,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 22, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 62% of Rhode Island |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF CUMBERLAND serves 21,235 people · EPA ID RI1647530 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Mar 2023 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 272 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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